Is a Traditional IRA or a Roth IRA right for me?

Each of the following factors determines whether a Traditional IRA or a Roth IRA is the right choice for you.

  • Anticipated tax rate at retirement
  • Years to retirement
  • Current tax rate
  • Earnings rate assumptions
  • Distribution plans at retirement
For some individuals, a Roth IRA provides tremendous tax saving opportunities. A Roth IRA is, however, not right for everyone. Use the IRA Selector to gain a better understanding of how various assumptions can affect your decision.
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